Tourism comprises a self- contained phenomenon synonymous to consumption and spare time and its growth, due to the development of technology and the improvement of the standards of living, has taken global dimensions. As a result tourism has developed to a pure industry, leading the economy and...

Althusser's pioneering concept of "ideological state apparatuses" is extended to the unique role of consumerism as a particular ideology enabling and supporting U.S. capitalism. It is argued that rising levels of worker consumption have functioned effectively to compensate workers for (and...

This paper explores the role of switching rates when assessing competition in retail banking services for individuals and Small and Medium Enterprises (SMEs) and policy measures aimed at the separation of retail banking services from wholesale and investment banking. It was prepared as a...

Consumer data rights are gaining more attention across the globe as more consumers come to rely on data-driven services in the digital economy. This paper looks at the role for competition policy and enforcement in driving competitive outcomes in markets involving consumer data. It was prepared...

Given the increasingly digital environment for financial products and services, now further accelerated by responses to the COVID-19 pandemic, and the potential for digitalisation to support greater financial inclusion and inclusive growth, effective financial consumer protection is more...

Based on an overview of worldwide trends in the development of digital financial services, this report discusses the implications of the digitalisation of finance for financial education and relevant consumer protection issues. It also explores the challenges and opportunities resulting from...

This publication sets out the updated "G20/OECD High-Level Principles on Financial Consumer Protection” (Principles), which have been reviewed 10 years after they were developed. The revisions incorporate policy developments over the past 10 years, including digitalisation, sustainable...